AU Small Finance Bank Ltd
AU Small Finance Bank Ltd (AUBANK) last reported results for the quarter ended Jun 2026, with sales of ₹5,303 crore and net profit of ₹796 crore. The stock last traded at ₹1,020, a market capitalisation of ₹76,602 crore, on a P/E of 26.8. Over the past 52 weeks the stock has ranged between ₹752 and ₹1,145. Figures are as of 6 Oct 2026 and are not real time.
AU Small Finance Bank Ltd share price and key metrics
- Current price
- ₹1,020
- Market cap
- ₹76,602 cr
- Stock P/E
- 26.8
- Book value
- ₹267
- ROE
- 14.2%
- ROCE
- 7.66%
- Dividend yield
- 0.10%
- 52w high / low
- 1145/752
Metrics as of 6 Oct 2026. Not real time.
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AU Small Finance Bank Ltd growth and returns
- 10 Years
- 34%
- 5 Years
- 30%
- 3 Years
- 31%
- TTM
- 17%
- 10 Years
- 29%
- 5 Years
- 18%
- 3 Years
- 23%
- TTM
- 31%
- 10 Years
- %
- 5 Years
- 11%
- 3 Years
- 13%
- 1 Year
- 35%
- 10 Years
- 16%
- 5 Years
- 14%
- 3 Years
- 14%
- Last Year
- 14%
AU Small Finance Bank Ltd quarterly results
In the quarter ended Jun 2026, sales were ₹5,303 cr, up 21.1% from ₹4,378 cr a year earlier. Net profit was ₹796 cr, up 37.0% year on year.
| ₹ crore | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Sales | 3,911 | 4,113 | 4,271 | 4,378 | 4,511 | 4,727 | 5,019 | 5,303 |
| Expenses | 1,854 | 1,938 | 2,197 | 2,076 | 2,128 | 2,181 | 2,231 | 2,321 |
| Operating profit | 121 | 85 | -104 | -32 | 16 | 160 | 351 | 375 |
| OPM % | 3% | 2% | -2% | -1% | 0% | 3% | 7% | 7% |
| Other income | 638 | 618 | 761 | 811 | 713 | 724 | 731 | 689 |
| Interest | 1,936 | 2,091 | 2,177 | 2,334 | 2,367 | 2,386 | 2,437 | 2,607 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 759 | 703 | 657 | 779 | 729 | 884 | 1,082 | 1,064 |
| Tax % | 25% | 25% | 23% | 25% | 23% | 24% | 23% | 25% |
| Net profit | 571 | 528 | 504 | 581 | 561 | 668 | 832 | 796 |
| EPS (₹) | 7.68 | 7.10 | 6.77 | 7.79 | 7.52 | 8.94 | 11.12 | 10.63 |
Consolidated figures as reported by the company. Percentages are as published; totals may not sum exactly.
AU Small Finance Bank Ltd annual results
| ₹ crore | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 1,280 | 1,767 | 2,949 | 4,286 | 4,950 | 5,922 | 8,205 | 10,555 | 16,064 | 18,636 | 19,561 |
| Operating profit | 339 | 109 | 180 | 296 | 142 | 601 | 1,016 | 528 | 520 | 768 | 903 |
| OPM % | 26% | 6% | 6% | 7% | 3% | 10% | 12% | 5% | 3% | 4% | 5% |
| Net profit | 822 | 292 | 382 | 675 | 1,171 | 1,130 | 1,428 | 1,535 | 2,106 | 2,641 | 2,856 |
| EPS (₹) | 14.46 | 5.11 | 6.53 | 11.09 | 18.75 | 17.94 | 21.42 | 22.93 | 28.29 | 35.30 | 38.21 |
TTM is the trailing twelve months to the most recent quarter.
AU Small Finance Bank Ltd balance sheet
| ₹ crore | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Equity capital | 284 | 286 | 292 | 304 | 312 | 315 | 667 | 669 | 745 | 748 |
| Reserves | 1,703 | 1,995 | 2,871 | 4,073 | 5,963 | 7,199 | 10,311 | 11,890 | 16,422 | 19,225 |
| Borrowings | 7,120 | 7,639 | 8,613 | 10,335 | 7,030 | 5,991 | 6,299 | 5,479 | 11,660 | 13,872 |
| Deposits | 0 | 7,923 | 19,422 | 26,164 | 35,979 | 52,585 | 69,365 | 87,182 | 124,269 | 152,661 |
| Other liabilities | 674 | 989 | 1,424 | 1,267 | 2,307 | 2,988 | 3,575 | 4,205 | 4,751 | 5,291 |
| Total liabilities | 9,781 | 18,833 | 32,623 | 42,143 | 51,591 | 69,078 | 90,216 | 109,426 | 157,846 | 191,797 |
| Fixed assets | 36 | 380 | 440 | 438 | 477 | 609 | 707 | 784 | 825 | 881 |
| CWIP | 240 | 6 | 7 | 10 | 5 | 14 | 33 | 67 | 87 | 555 |
| Investments | 2,150 | 3,051 | 7,162 | 10,668 | 10,815 | 15,306 | 20,072 | 27,133 | 37,848 | 44,794 |
| Other assets | 7,355 | 15,396 | 25,014 | 31,027 | 40,294 | 53,149 | 69,404 | 81,441 | 119,086 | 145,567 |
| Total assets | 9,781 | 18,833 | 32,623 | 42,143 | 51,591 | 69,078 | 90,216 | 109,426 | 157,846 | 191,797 |
As reported by the company. Total assets equal total liabilities by construction.
AU Small Finance Bank Ltd cash flow
| ₹ crore | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash from operations | -2,405 | 2,505 | 848 | 660 | 5,056 | 6,849 | 5,494 | 2,608 | 5,462 | 1,829 |
| Cash from investing | 552 | -1,890 | -2,305 | -1,267 | -990 | -4,753 | -4,320 | -4,855 | -4,780 | -5,090 |
| Cash from financing | 2,448 | 521 | 1,436 | 2,237 | -2,655 | -948 | 2,323 | -802 | 2,407 | 2,318 |
| Net cash flow | 596 | 1,136 | -21 | 1,629 | 1,412 | 1,147 | 3,497 | -3,049 | 3,090 | -943 |
| Free cash flow | -2,662 | 2,341 | 724 | 569 | 4,916 | 6,568 | 5,190 | 2,270 | 5,205 | 1,027 |
| CFO / operating profit | -250% | 284% | 58% | 35% | 197% | 220% | 122% | 52% | 72% | 27% |
Negative figures are outflows. CFO / operating profit is a ratio, not an amount.
AU Small Finance Bank Ltd operating ratios
| Per year | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 55% | 14% | 14% | 18% | 22% | 16% | 15% | 13% | 14% | 14% |
Ratios as computed by the source from the reported statements. Rows a company does not report are omitted.
AU Small Finance Bank Ltd shareholding pattern
Promoters held 22.74% at Jun 2026, broadly unchanged since Jun 2025. FIIs 35.98% and DIIs 32.81%.
| % held | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Promoters | 22.91% | 22.89% | 22.87% | 22.85% | 22.82% | 22.79% | 22.76% | 22.74% |
| FIIs | 40.71% | 39.34% | 35.58% | 37.68% | 34.50% | 36.45% | 37.27% | 35.98% |
| DIIs | 20.13% | 21.78% | 27.16% | 28.86% | 31.91% | 31.27% | 31.30% | 32.81% |
| Public | 16.23% | 15.99% | 14.39% | 10.59% | 10.78% | 9.51% | 8.67% | 8.47% |
| No. of shareholders | 1,74,101 | 1,89,495 | 1,92,987 | 1,90,119 | 1,91,508 | 1,81,635 | 1,67,443 | 1,62,894 |
As disclosed by the company to the exchanges. The last row is a count of shareholders, not a percentage.
AU Small Finance Bank Ltd corporate filings
- Certificate under Regulation 74(5) of the SEBI (Depositories and Participants) Regulations, 2018 for the quarter ended September 30, 2026Company Updatelow impact
- AU Small Finance Bank files regulatory disclosure regarding Q2 FY2026 performance, no financial results includedCompany Updatelow impact
Cruxal's analysis: The company has submitted an intimation under SEBI regulations on October 3, 2026…
Read the full analysis - ICRA reaffirmed AU Small Finance Bank's (AUSFB) rating at [ICRA]AA with a revised outlook to Positive from Stable; issuance of Rs. 100 crore infrastructure bonds rated also at [ICRA]AA(Positive).Company Updatehigh impact
Cruxal's analysis: AU Small Finance Bank (AUSFB) has received a positive rating reaffirmation from ICRA…
Read the full analysis - Pursuant to the PIT Regulations and Bank's Code of Conduct - Prohibition of Insider Trading, we hereby inform that trading window for dealing in securities of the Bank will be closed for ....Insider Trading / SASTlow impact
- AU Small Finance Bank announces re-appointment of Vinay Vaish as Head of Internal AuditOtherslow impact
Cruxal's analysis: AU Small Finance Bank has announced the re-appointment of Mr. Vinay Vaish as the Head of…
Read the full analysis - AU Small Finance Bank Outlines Digital Transformation and Universal Banking Strategy at CIO RoundtableCompany Updatemedium impact
Cruxal's analysis: AU Small Finance Bank has released a revised investor presentation detailing its…
Read the full analysis - AU Small Finance Bank Outlines Technology-Led Growth Strategy and Digital Transformation RoadmapCompany Updatemedium impact
Cruxal's analysis: AU Small Finance Bank has released an investor presentation detailing its…
Read the full analysis - AU Small Finance Bank allots 3,78,830 equity shares under ESOP schemeCompany Updatelow impact
Cruxal's analysis: AU Small Finance Bank has allotted 3,78,830 equity shares with a face value of Rs. 10…
Read the full analysis - AU Small Finance Bank announces participation in upcoming analyst and institutional investor meetingsCompany Updatelow impact
Cruxal's analysis: AU Small Finance Bank has submitted an intimation regarding its participation in…
Read the full analysis - AU Small Finance Bank appoints Anil Agarwal as Senior Executive Group Head for Commercial & Institutional BankingCompany Updatelow impact
Cruxal's analysis: AU Small Finance Bank has announced the appointment of Mr. Anil Agarwal as the Senior…
Read the full analysis - AU Small Finance Bank receives RBI approval for ICICI Prudential AMC to acquire up to 9.95% stakeCompany Updatemedium impact
Cruxal's analysis: AU Small Finance Bank has received regulatory approval from the RBI, dated September 8…
Read the full analysis - AU Small Finance Bank allots 4,11,669 equity shares under ESOP schemeCompany Updatelow impact
Cruxal's analysis: AU Small Finance Bank has allotted 4,11,669 equity shares with a face value of Rs. 10…
Read the full analysis - AU Small Finance Bank announces upcoming analyst and institutional investor meetingsCompany Updatelow impact
Cruxal's analysis: AU Small Finance Bank has submitted an intimation regarding its participation in…
Read the full analysis - AU Small Finance Bank shareholders approve key resolutions including capital raising and borrowing limits at 31st AGMAGM/EGMmedium impact
Cruxal's analysis: AU Small Finance Bank Limited has successfully concluded its 31st Annual General Meeting…
Read the full analysis - AU Small Finance Bank concludes 31st AGM; shareholders to vote on capital raising and borrowing limit enhancementCompany Updatemedium impact
Cruxal's analysis: AU Small Finance Bank Limited held its 31st Annual General Meeting on September 5, 2026…
Read the full analysis - AU Small Finance Bank announces participation in upcoming analyst and institutional investor meetingsCompany Updatelow impact
Cruxal's analysis: AU Small Finance Bank has submitted an intimation regarding its participation in…
Read the full analysis - AU Small Finance Bank allots 6,47,261 equity shares under ESOP schemeCompany Updatelow impact
Cruxal's analysis: AU Small Finance Bank has allotted 6,47,261 equity shares with a face value of Rs. 10…
Read the full analysis - AU Small Finance Bank announces 31st Annual General Meeting for September 5, 2026Company Updatelow impact
Cruxal's analysis: AU Small Finance Bank has published a notice for its 31st Annual General Meeting (AGM)…
Read the full analysis - AU Small Finance Bank Releases FY 2025-26 Integrated Annual Report and Announces 31st AGMOthershigh impact
Cruxal's analysis: AU Small Finance Bank has released its Integrated Annual Report for FY 2025-26…
Read the full analysis - AU Small Finance Bank announces schedule for upcoming analyst and institutional investor meetingsCompany Updatelow impact
Cruxal's analysis: AU Small Finance Bank has submitted an intimation regarding its participation in upcoming…
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